Combined billfold, card case and memo pad holder



FIG. 1 is a perspective view of a combined billfold, card case and memo pad holder showing my new design in a partially open position;

FIG. 2 is a rear perspective view thereof in partially open position; and

FIG. 3 is a top plan view thereof in the closed position. 

The ornamental design for a combined billfold, card case and memo pad holder, as shown and described. 